it did....had to rob peter to pay paul...the manufacturing plant i worked for closed, i went from 13.75hr to 8.00 hr. had to sell my home, darn near got my car repoed; my husband left me because of finances; and i still paid my bills; they were always late; less than what the company wanted; was sent to collections; i didnt answer the phone until after 9pm; I knew i was doing the best i could...i just got a second job and worked hard to get myself out of the jam...it took 3 years but i did it..even raised 2 kids during that time...it was not alot of fun